Key Takeaways: Keep business and household money in separate lanes. Tax reserves, operating cash, and personal spending each need their own job before a dollar leaves the business. Fit the retirement plan to how your… Read More
Key Takeaways: Figure out your actual catch-up number first. A late start turns manageable once you know your portfolio target, the yearly savings pace it takes to get there, and the range of retirement dates… Read More
Key Takeaways: Two medical careers need one household system. When both partners are physicians, the real work is connecting two paychecks, two benefit packages, and two loan balances into a single plan instead of running… Read More
The jump from resident salary to attending physician salary often feels like winning the lottery after years of training. Yet many doctors unintentionally fall into physician lifestyle inflation (also known as doctor lifestyle creep) during… Read More
Back in 2018, I was asked to speak at the American Society of Colon and Rectal Surgeons (ASCRS) conference, and the topic was simple: How Much Do I Need to Retire as a Physician? Well,… Read More
457(b) Plan for Physicians: 2026 Guide Last updated: While most physicians are familiar with retirement accounts like a 401(k) or 403(b), fewer understand the 457(b) plan—despite it being one of the most powerful (and misunderstood)… Read More
Key Takeaways: Start with structure. Your first years of attending build lasting momentum when your major money decisions work together as a single plan rather than pulling in different directions. Pick your loan path early…. Read More
Key Takeaways: First-year attending cash flow starts with take-home pay. The contract number can look enormous after years of training, but the plan that actually works is built on what lands in your account each… Read More
First-Time Homebuyer Costs Beyond the Purchase Price The purchase price is the loud number. The first-time homebuyer costs that show up before, during, and after closing are the ones that can catch you flat-footed. You… Read More
Key Takeaways: Partnership turns employee decisions into owner decisions. Income, taxes, risk, and retirement start working together, and cash flow from draws, distributions, and true-ups becomes less predictable than a steady paycheck. Your balance sheet… Read More